# Swile vs Pennylane

The clearest difference is monetization model: Pennylane at free against Swile's free with in-app purchases. Swile's advantage is review sentiment (88% vs 67%) and ratings volume (353 vs 35). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.7 for Swile against 4.6 for Pennylane. That said, the two scores are not equally well evidenced: Swile has 353 ratings behind it against 35, so its average is the more settled of the two. Written reviews are what separate them: 88% of Swile's written reviews are positive against 67% of Pennylane's.

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Swile | Pennylane |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (353 ratings)](https://appshunter.io/ios/app/swile/id1190612035/reviews)** | [4.6 (35 ratings)](https://appshunter.io/ios/app/pennylane/id1574490312/reviews) |
| Number of ratings | **353** | 35 |
| Positive reviews | **88.5% of reviews** | 67.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Weekly | Weekly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 243 MB | 152 MB |
| Requires iOS | **16.0** | 16.4 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Swile](https://appshunter.io/developer/1190612034) | [Pennylane](https://appshunter.io/developer/1574490314) |

## What reviewers say

### Swile

[App page](https://appshunter.io/ios/app/swile/id1190612035)

This app consolidates all your employee benefits, including meal vouchers, gift cards, and personal funds, onto a single virtual card. Manage your balance, view transactions, and access your PIN code all within the application.

**Highlights:** Consolidated employee benefits, Virtual card for mobile payments, View balance and transactions, Access PIN code, Donate to charities, Exclusive deals and offers

**Features:** Apple Wallet

**In-app purchases:** none


### Pennylane

[App page](https://appshunter.io/ios/app/pennylane/id1574490312)

This app offers an integrated solution for managing business finances, accounting, and banking. It provides tools for purchase and sales management, performance analysis, and a business account with features like free cards and unlimited transfers.

**Highlights:** Integrated business finances and accounting, Purchase and sales management, Performance analysis, Pro Account with free cards and transfers, Invoice management (FacturX format), Collaboration with accountants, Over 300 integrations

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Swile free?

Swile is free to download, with no in-app purchases.

### Is Pennylane free?

Pennylane is free to download, with no in-app purchases.

### Which has better reviews, Swile or Pennylane?

Swile is rated higher. Swile averages 4.7 out of 5 from 353 ratings, while Pennylane averages 4.6 from 35 ratings.

### Do Swile or Pennylane have ads?

Neither Swile nor Pennylane shows ads.

### Which is updated more often, Swile or Pennylane?

Swile ships an update weekly, and Pennylane weekly. Most recently, Swile was updated on November 2, 2026 and Pennylane on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*